The First National Bank of Trinity: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 7.2% to -$3.2M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.16% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.0M |
| Tier 1 capital | $9.0M |
| Total risk-based capital | — |
| Total equity capital | $5.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.25% |
| Tangible equity to tangible assets | 6.25% |
| Equity capital to average assets | 5.89% |
| Internal capital growth rate | -5.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $446K |
| Common stock surplus | $658K |
| Retained earnings | $7.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.81% | 2.99% | 2.99% |
| Q4 2023 | 10.13% | 4.91% | 4.91% |
| Q1 2024 | 9.73% | 4.92% | 4.92% |
| Q2 2024 | 9.85% | 4.65% | 4.65% |
| Q3 2024 | 9.97% | 5.71% | 5.71% |
| Q4 2024 | 10.09% | 4.93% | 4.93% |
| Q1 2025 | 9.57% | 5.31% | 5.31% |
| Q2 2025 | 9.30% | 5.08% | 5.08% |
| Q3 2025 | 9.59% | 6.17% | 6.17% |
| Q4 2025 | 9.46% | 6.26% | 6.26% |
| Q1 2026 | 9.44% | 6.69% | 6.69% |
| Q2 2026 | 9.16% | 6.25% | 6.25% |
The First National Bank of Trinity regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Trinity, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Trinity profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5559) · FFIEC NIC profile (RSSD 479567)